Pets have their own digital IDs, auto insurance claims can be settled with “one-click video claims”… At the ongoing 2025 INCLUSION·Bund Summit, the development and application of cutting-edge technologies like fintech and artificial intelligence have become a key focus for attendees, reflecting the latest news in tech innovation.
As AI technology accelerates its shift from “technical exploration” to “industrial application,” the financial industry, being data-intensive and rich in scenarios, has become a “main battlefield” for AI application.
At the insight forum “The Path of AI Implementation in Finance,” Wang Min, Executive Vice General Manager and Board Secretary of ZhongAn Insurance, stated that AI is driving a profound structural change within the industry. The core of commercial value is no longer limited to the software tools themselves but is increasingly reflected in the direct delivery of business outcomes through AI. As a high-potential area for AI application, the insurance industry is undergoing a full-process intelligent transformation. AI has moved beyond the pilot and experimental stages, fully integrating into core segments such as underwriting, claims, marketing, and customer service. This integration not only significantly enhances operational efficiency but also markedly optimizes the customer experience, making insurance services more personalized and imaginative while maintaining certainty.
In the Bund Summit exhibition area, innovations centered around health, digital life, consumer finance, automotive, and other ecosystems, characterized by personalization, customization, and intelligence, were particularly eye-catching. The innovative application results of “AI + Insurance” and “NFC + Insurance” attracted the most attention, showcasing the latest news in industry advancements. At the exhibition, a person in charge from ZhongAn Insurance told reporters that as of the first half of 2025, the AI mid-platform “Zhong You Ling Xi” (ZhongAn’s Wit), independently developed by ZhongAn, already covers the full process needs of the insurance business. Approximately 110 active robots are on the AI mid-platform, and the cumulative number of calls made by robots in the Ling Xi mid-platform production environment reached 450 million in the first half of the year.
On-site observations showed that within the digital life ecosystem, pet insurance focuses on pet health scenarios. By integrating tap-and-go NFC technology, it enhances the convenience of purchasing pet insurance and accessing claim services. ZhongAn also provides “Digital Pet IDs” for its pet insurance users. Utilizing blockchain technology, it creates unique digital identity assets for pets and their owners, enabling digital interactive experiences for pets.
Auto insurance, crucial for countless households, was also featured. The “one-click video claims” platform, which enables the entire claims process to be handled online, allows car owners to complete the entire claims process—acceptance, investigation, assessment, and settlement—remotely via video. This offers an ultimate claims service experience characterized by “instant acceptance, instant settlement, instant payment,” with the fastest payout completed in 25 minutes, eliminating the need for car owners to wait on-site for surveyors. Staff at the ZhongAn exhibition hall explained that this “full-link digital closed-loop” claims model has reduced the average case closing time by nearly 40% compared to traditional auto insurance, representing significant progress for the industry. The health ecosystem is where ZhongAn first explored AI applications. AI is now applied on the health insurance claims end, covering seven key scenarios including claim application, progress inquiry, and document submission. The intelligent recognition pass rate for accident and health insurance claim materials has increased to 90%, with the fastest case closing time achieved in just 15 seconds, according to the latest news from the company.
Attending experts stated that looking ahead, the focal point of innovation in the insurance industry has shifted towards “winning through experience,” a trend highlighted in the latest news from the sector.
